Good insights, though instead of biometric (?!) based money transfers, I'd like to see a further push on phone based transfers and other branchless banking. Rec

Good insights, though instead of biometric (?!) based money transfers, I'd like to see a further push on phone based transfers and other branchless banking. Recent research reported through CGAP shows branchless transfers being used increasingly by the poor, http://technology.cgap.org/2011/06/17/does-branchless-banking-reach-poor-people-the-evidence-from-india/ http://technology.cgap.org/2011/06/17/does-branchless-bankin... I was hoping they might discuss Microfinance's role in helping the poor reach their goals, since at kiva.org we tend to think of microloans as one of the small steps towards solving the problems they face.